The following phases will be carried out below through international financial agents, in order to provide security to the customer and the credit operation.

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1) Receipt of information and initial documents, as requested in this material;

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2) Analysis of the credit potential and technical structuring of the operation, with due diligence carried out by the European financial agent;

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3) Preparation of the Credit Operation Draft for customer approval, including LTV (credit line value), interest rates, terms, payment methods, necessary guarantees accepted and the structuring costs of the international financial agent;

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4) After approval of the Draft by the client, the process will be sent to Underwriting in the investment fund defined in the Draft, which may be in Europe or the USA;

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5) Sending the ITS (Indicative Term Sheet) with confirmation of the operation and qualification of the Lender. The Customer has up to 5 days to approve this document;

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6) After acceptance of the ITS by the customer, the draft contract and the expenses invoice, previously approved in the Draft and ITS, will be sent to the customer for signature, payment of expenses and start of the credit operation;

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7) With the sending of the signed draft and the Invoice paid, the credit operation begins, with the final documentation, guarantee confirmation, Due Diligence by the investment fund being carried out;

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8) with the completion of the steps described in item 7, the fund will send the credit agreement and the sale agreement for the guarantees offered. With the signatures of these contracts in person or at a distance, duly appended, the credit will be released in the account indicated by the client.

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